A fixed annuity with long term care benefits provides retirees with guaranteed growth and income, while also offering an added layer of financial protection if extended care is needed later in life. At Diversified Insurance Brokers, we specialize in pairing annuities with long term care riders, helping clients cover the rising costs of nursing homes, assisted living, and home health care—all without sacrificing retirement security.

How Fixed Annuities with LTC Benefits Work

With a fixed annuity, your money grows at a guaranteed interest rate. By adding a long term care rider, you can access enhanced benefits if you need extended care later in life. This typically means your annuity payments or account value are multiplied (often 2x–3x) when used to cover qualified long term care expenses.

Why Consider This Option?

• ✅ Dual Protection – Guaranteed annuity growth plus long term care coverage
• ✅ Flexibility – Use funds for retirement income or extended care needs
• ✅ No “Use It or Lose It” – If care isn’t needed, the annuity still provides guaranteed value
• ✅ Tax Advantages – Certain benefits may qualify for favorable tax treatment

Who is a Good Fit?

A fixed annuity with long term care benefits may be ideal if you:

• Want predictable growth with no market risk
• Are concerned about the rising costs of long term care
• Prefer alternatives to traditional long term care insurance
• Want to leave a legacy if care is never needed

Why Work With Diversified Insurance Brokers?

Since 1980, we’ve helped families design retirement income strategies that balance guaranteed security and protection from unexpected health costs. With access to 75+ A-rated carriers, we find the most favorable annuity and LTC combinations to match your needs.

Learn more about annuities and our long term care insurance solutions to explore additional options.